FOND DU LAC Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Fond Du Lac averaged 6.23% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.1% and one month ago for the week of 2022-05-19, the average rate was 5.67%.

Fond Du Lac's average rate one year ago was 3.09%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.02%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Fond Du Lac 30 Year Fixed Rate 2022-06-23 6.23%
Fond Du Lac 30 Year Fixed Rate Refi 2022-06-23 6.02%
Fond Du Lac 15 Year Fixed Rate 2022-06-23 6.09%
Fond Du Lac 15 Year Fixed Rate Refi 2022-06-23 5.25%
Fond Du Lac 30 Year FHA 2022-06-23 0.07%
Fond Du Lac 30 Year FHA Refi 2022-06-23 0.26%
Fond Du Lac 30 Year USDA 2022-06-23 0.11%
Fond Du Lac 30 Year USDA Refi 2022-06-23 0.73%
Fond Du Lac 30 Year VA 2022-06-23 0.09%
Fond Du Lac 30 Year VA Refi 2022-06-23 -0.08%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within FOND DU LAC, WI.

FOND DU LAC Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the FOND DU LAC, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
National Exchange Bank and Trust 272 3.08% $1,532
Hometown Bank 189 3.07% $1,067
Fox Valley Savings Bank 179 2.99% $1,094
U.S. Bank 142 3.06% $2,454
Associated Bank 124 3.12% $1,990
Horicon Bank 107 3.13% $1,407
VERVE, A CREDIT UNION 85 3.20% $1,609
CALIBER HOME LOANS, INC. 64 3.29% $2,278
QUICKEN LOANS, LLC 61 3.08% $4,866
SUCCESS MORTGAGE PARTNERS, INC. 38 3.38% $2,627
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 32 3.39% $3,058
Wells Fargo Bank 32 3.39% $2,345
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 31 3.19% $2,873
CMG MORTGAGE, INC. 26 3.20% $3,605
Landmark Credit Union 25 3.26% $1,809
Prosperity Home Mortgage, LLC 21 3.14% $2,803
Community First Credit Union 21 3.36% $1,703
Summit Credit Union 21 2.88% $2,292
Fortifi Bank 20 3.07% $1,613
INLANTA MORTGAGE, INC. 17 3.30% $2,562
FINANCE OF AMERICA MORTGAGE LLC 17 3.28% $3,098
COMPEER FINANCIAL, FLCA 16 3.63% $3,193
JPMorgan Chase Bank 16 3.16% $2,283
Westbury Bank 16 2.94% $1,684
Nicolet National Bank 15 3.18% $2,512
University of Wisconsin Credit Union 15 2.95% $2,738
BMO Harris Bank 15 3.15% $3,410
PARKSIDE LENDING, LLC 13 3.00% $3,058
UNITED WHOLESALE MORTGAGE, LLC 13 2.99% $3,423
Bell Bank 13 3.11% $2,208
CORNERSTONE HOME LENDING, INC. 11 3.49% $3,074
Waterstone Mortgage Corporation 11 3.31% $3,029
MARINE 11 8.83% $3,712
AMERISAVE MORTGAGE CORPORATION 11 2.98% $5,036
FOND DU LAC 11 3.38% $1,108
NEWREZ LLC 9 2.93% $2,569
Flagstar Bank, FSB 8 3.12% $3,080
CHERRY CREEK MORTGAGE, LLC 8 3.36% $469
Bank First, N.A. 8 3.34% $1,937
Bankers' Bank 8 3.19% $1,808
Paramount Residential Mortgage Group, Inc. 7 3.35% $2,951
Kohler Credit Union 7 2.93% $2,418
GUARANTEED RATE, INC. 7 3.16% $3,280
WISCONSIN MORTGAGE CORPORATION 6 2.98% $2,294
First Federal Bank 6 3.08% $2,041
TOWNE MORTGAGE COMPANY 6 3.44% $3,134
Johnson Bank 6 2.82% $2,243
FREEDOM MORTGAGE CORPORATION 6 3.17% $2,096
Ixonia Bank 6 3.65% $3,109
Bank Five Nine 5 3.10% $2,204
PLANET HOME LENDING, LLC 5 3.02% $2,128
Mr. Cooper ( Nationstar Mortgage ) 5 3.23% $4,238
LOANDEPOT.COM, LLC 5 2.87% $4,858
Great Midwest Bank, S.S.B. 4 3.09% $1,867
GSF Mortgage Corporation 4 3.25% $2,475
STEARNS LENDING, LLC 4 3.25% $2,821
BETTER MORTGAGE CORPORATION 4 2.63% $5,705
Glacier Hills Credit Union 4 3.59% $875
FIRST CENTENNIAL MORTGAGE CORPORATION 4 3.19% $2,339
The Bank of Kaukauna 3 3.75% $1,800
THOMPSON KANE & COMPANY, LLC 3 2.88% $2,843
BROKER SOLUTIONS, INC. 3 3.16% $4,260
DAS Acquisition Company, LLC 3 3.21% $2,993
Commerce State Bank 3 2.79% $1,948
CROSSCOUNTRY MORTGAGE, LLC 3 3.25% $3,844
ROYAL UNITED MORTGAGE LLC 3 3.33% $5,966
FIRST STATE MORTGAGE SERVICES, LLC 3 2.92% $1,936
Servion, Inc. 3 3.17% $2,262
Waukesha State Bank 3 3.00% $2,085
NAVY FEDERAL CREDIT UNION 3 4.25% $4,648
CoVantage Credit Union 2 3.31% $2,454
American Mortgage & Equity Consultants, Inc. 2 3.06% $2,284
A + MORTGAGE SERVICES, INC. 2 3.00% $1,993
AXIA FINANCIAL, LLC 2 3.38% $2,813
Bank of America 2 3.13% $4,011
Bank of England 2 3.31% $2,613
CAPITAL Credit Union 2 3.13% $1,748
Carrington Mortgage Services, LLC 2 3.25% $3,549
CELEBRITY HOME LOANS, LLC 2 3.75% $3,990
CIBM Bank 2 3.44% $2,133
City National Bank 2 2.60% $3,571
Deere Employees Credit Union 2 2.75% $2,077
Discover Bank 2 4.25% $0
EDUCATORS CREDIT UNION 2 3.44% $1,642
ENVOY MORTGAGE, LTD 2 3.25% $2,944
FOX COMMUNITIES 2 3.38% $2,124
HOMESIDE FINANCIAL, LLC 2 4.06% $4,243
IncredibleBank 2 2.94% $2,561
InterContinental Capital Group, Inc 2 3.25% $3,205
KELLER MORTGAGE, LLC 2 3.25% $1,657
Loan Simple, Inc. 2 3.13% $2,127
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.25% $2,496
Oregon Community Bank 2 3.31% $1,962
The Port Washington State Bank 2 3.25% $4,778
Manufacturers and Traders Trust Company 1 3.38% $9,186
Level One Bank 1 3.00% $1,753
Northpointe Bank 1 4.25% $4,009
North Shore Bank FSB 1 3.00% $1,242
Old National Bank 1 2.88% $3,247
ALTRA 1 3.28% $1,825
Heartland Credit Union (Madison) 1 2.88% $2,111
GUILD MORTGAGE COMPANY 1 2.88% $1,689
PENNYMAC LOAN SERVICES, LLC 1 3.88% $4,821
PHH Mortgage Corporation 1 4.75% $4,740
Plains Commerce Bank 1 2.75% $4,391
GUARANTY HOME MORTGAGE CORPORATION 1 3.13% $4,254
PremierBank 1 2.63% $1,007
Prevail Bank 1 3.00% $1,507
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 2.75% $2,596
PROSPERA Credit Union 1 2.50% $1,417
GUARANTEED RATE AFFINITY, LLC 1 3.00% $2,762
PyraMax Bank, FSB 1 2.88% $1,647
Forward Bank 1 3.25% $1,457
Quontic Bank 1 6.00% $7,113
Royal Credit Union 1 3.25% $0
First Guaranty Mortgage Corporation 1 2.88% $5,697
Service Federal Credit Union 1 3.00% $0
First Bank & Trust 1 3.88% $1,509
Settlers Bank 1 3.13% $1,972
Sierra Pacific Mortgage Company, Inc. 1 3.38% $5,034
SIRVA MORTGAGE, INC. 1 2.75% $0
First American Bank 1 3.25% $2,315
Strong Home Mortgage, LLC 1 2.75% $621
Farmers & Merchants State Bank 1 3.25% $2,602
EVERETT FINANCIAL, INC. 1 2.99% $1,161
T2 FINANCIAL LLC 1 3.25% $3,476
DUPACO COMMUNITY 1 2.88% $3,983
The Bank of New Glarus 1 3.25% $2,037
The Equitable Bank, S.S.B. 1 3.00% $1,742
The Federal Savings Bank 1 3.00% $5,861
The Greenwood's State Bank 1 2.50% $1,026
Wolf River Community Bank 1 2.88% $1,628
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 3.38% $3,733
TOTAL MORTGAGE SERVICES, LLC 1 3.25% $2,626
Denmark State Bank 1 3.25% $2,199
Truist Bank 1 3.13% $3,166
UNION HOME MORTGAGE CORP. 1 3.25% $2,681
Ally Bank 1 2.88% $4,292
Citizens Bank 1 2.75% $4,214
CHURCHILL MORTGAGE CORPORATION 1 3.25% $2,772
VAN DYK MORTGAGE CORPORATION 1 2.88% $2,554
Chicago Mortgage Solutions LLC 1 2.99% $935
Watermark Capital, Inc. 1 2.63% $2,381
Byron Bank 1 3.24% $2,279
Bremer Bank 1 3.13% $5,747
Bank of the West 1 2.88% $2,580
AMERICAN FINANCING CORPORATION 1 3.13% $3,590
Mutual Federal Bank 1 2.75% $3,904
Morgan Stanley Private Bank 1 2.85% $3,736

FOND DU LAC, WI's 149 lenders originated 5,236 loans during 2021. The total origination value was $862,460,000, with an average loan value of $164,717.

The top FOND DU LAC lender as defined by loan originations is National Exchange Bank and Trust, with 272 loans originated. Their average total fees are $1,532, which is $465 higher than the next largest lender, Hometown Bank.

The lowest fee FOND DU LAC lenders (with over 10 loans originated) are Hometown Bank ($1,067), Fox Valley Savings Bank ($1,094), FOND DU LAC ($1,108), Horicon Bank ($1,407) and National Exchange Bank and Trust ($1,532).

The lowest rate FOND DU LAC lenders (with over 10 loans originated) are Summit Credit Union (2.88%), Westbury Bank (2.94%), University of Wisconsin Credit Union (2.95%), AMERISAVE MORTGAGE CORPORATION (2.98%) and UNITED WHOLESALE MORTGAGE, LLC (2.99%).

FOND DU LAC, WI Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
National Exchange Bank and Trust $116,180,000 $126,610,000 9.0% 14.7%
U.S. Bank $54,760,000 $69,550,000 27.0% 8.1%
Hometown Bank $71,650,000 $65,670,000 -8.3% 7.6%
Fox Valley Savings Bank $85,625,000 $57,770,000 -32.5% 6.7%
Associated Bank $61,145,000 $38,830,000 -36.5% 4.5%
Horicon Bank $44,710,000 $38,200,000 -14.6% 4.4%
VERVE, A CREDIT UNION $28,345,000 $28,565,000 0.8% 3.3%
QUICKEN LOANS, LLC $24,490,000 $28,305,000 15.6% 3.3%
CALIBER HOME LOANS, INC. $23,355,000 $23,220,000 -0.6% 2.7%
Wells Fargo Bank $11,470,000 $12,615,000 10.0% 1.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $16,840,000 $12,285,000 -27.0% 1.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,710,000 $11,625,000 73.2% 1.3%
FREEDOM MORTGAGE CORPORATION $8,080,000 $11,365,000 40.7% 1.3%
Bristol Morgan Bank $13,055,000 $11,215,000 -14.1% 1.3%
SUCCESS MORTGAGE PARTNERS, INC. $11,145,000 $9,665,000 -13.3% 1.1%
MARINE $14,460,000 $9,430,000 -34.8% 1.1%
North Shore Bank FSB $2,565,000 $9,220,000 259.5% 1.1%
Summit Credit Union $7,655,000 $8,765,000 14.5% 1.0%
Landmark Credit Union $9,135,000 $8,640,000 -5.4% 1.0%
BMO Harris Bank $6,090,000 $8,540,000 40.2% 1.0%
Community First Credit Union $6,920,000 $8,115,000 17.3% 0.9%
COMPEER FINANCIAL, FLCA $9,680,000 $7,250,000 -25.1% 0.8%
UNITED WHOLESALE MORTGAGE, LLC $3,915,000 $7,230,000 84.7% 0.8%
Westbury Bank $6,355,000 $7,065,000 11.2% 0.8%
Mortgage Research Center, LLC $4,320,000 $7,060,000 63.4% 0.8%
CMG MORTGAGE, INC. $4,495,000 $6,750,000 50.2% 0.8%
Fortifi Bank $9,850,000 $6,610,000 -32.9% 0.8%
JPMorgan Chase Bank $4,820,000 $6,495,000 34.8% 0.8%
Bell Bank $4,170,000 $6,375,000 52.9% 0.7%
Bank First, N.A. $4,970,000 $6,235,000 25.5% 0.7%
INLANTA MORTGAGE, INC. $4,860,000 $6,220,000 28.0% 0.7%
KeyBank $5,645,000 n/a 0.7%
Prosperity Home Mortgage, LLC $460,000 $5,425,000 1,079.3% 0.6%
University of Wisconsin Credit Union $4,690,000 $5,060,000 7.9% 0.6%
FOND DU LAC $3,875,000 $5,025,000 29.7% 0.6%
Nicolet National Bank $3,050,000 $4,965,000 62.8% 0.6%
NEWREZ LLC $2,160,000 $4,700,000 117.6% 0.5%
LOANDEPOT.COM, LLC $3,065,000 $4,480,000 46.2% 0.5%
FINANCE OF AMERICA MORTGAGE LLC $2,275,000 $4,410,000 93.8% 0.5%
WALKER & DUNLOP, LLC $4,345,000 n/a 0.5%
PENNYMAC LOAN SERVICES, LLC $1,630,000 $4,260,000 161.3% 0.5%
Commerce State Bank $1,420,000 $4,050,000 185.2% 0.5%
Waterstone Mortgage Corporation $1,895,000 $4,030,000 112.7% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $4,230,000 $3,655,000 -13.6% 0.4%
Paramount Residential Mortgage Group, Inc. $2,005,000 $3,635,000 81.3% 0.4%
CHERRY CREEK MORTGAGE, LLC $4,075,000 $3,610,000 -11.4% 0.4%
PARKSIDE LENDING, LLC $5,950,000 $3,445,000 -42.1% 0.4%
Bankers' Bank $3,350,000 n/a 0.4%
Farmers & Merchants State Bank $3,175,000 n/a 0.4%
LAKEVIEW LOAN SERVICING, LLC $1,285,000 $3,020,000 135.0% 0.4%
AMERISAVE MORTGAGE CORPORATION $990,000 $3,015,000 204.5% 0.3%
USAA Federal Savings Bank $1,560,000 $2,865,000 83.7% 0.3%
TOWNE MORTGAGE COMPANY $3,475,000 $2,560,000 -26.3% 0.3%
WISCONSIN MORTGAGE CORPORATION $2,640,000 $2,465,000 -6.6% 0.3%
Johnson Bank $13,810,000 $2,370,000 -82.8% 0.3%
CORNERSTONE HOME LENDING, INC. $1,390,000 $2,345,000 68.7% 0.3%
GUARANTEED RATE, INC. $2,625,000 $2,315,000 -11.8% 0.3%
BETTER MORTGAGE CORPORATION $1,605,000 $2,115,000 31.8% 0.2%
FIRST CENTENNIAL MORTGAGE CORPORATION $1,535,000 $2,065,000 34.5% 0.2%
Glacier Hills Credit Union $1,780,000 $2,055,000 15.4% 0.2%
Carrington Mortgage Services, LLC $680,000 $1,980,000 191.2% 0.2%
First Federal Bank $280,000 $1,980,000 607.1% 0.2%
NEW DAY FINANCIAL, LLC $295,000 $1,900,000 544.1% 0.2%
Flagstar Bank, FSB $2,760,000 $1,895,000 -31.3% 0.2%
Bank Five Nine $1,550,000 $1,865,000 20.3% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $715,000 $1,770,000 147.6% 0.2%
Kohler Credit Union $1,200,000 $1,770,000 47.5% 0.2%
NAVY FEDERAL CREDIT UNION $1,060,000 $1,720,000 62.3% 0.2%
Old National Bank $2,890,000 $1,715,000 -40.7% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $2,345,000 $1,610,000 -31.3% 0.2%
Citizens Bank $640,000 $1,605,000 150.8% 0.2%
West Pointe Bank $865,000 $1,580,000 82.7% 0.2%
CLEARPATH LENDING $145,000 $1,560,000 975.9% 0.2%
Servion, Inc. $2,270,000 $1,550,000 -31.7% 0.2%
Waukesha State Bank $1,915,000 $1,510,000 -21.1% 0.2%
Ixonia Bank $485,000 $1,505,000 210.3% 0.2%
The Port Washington State Bank $1,115,000 $1,415,000 26.9% 0.2%
GSF Mortgage Corporation $1,300,000 $1,315,000 1.2% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $630,000 $1,305,000 107.1% 0.2%
HOME POINT FINANCIAL CORPORATION $630,000 $1,295,000 105.6% 0.2%
Collins State Bank $645,000 $1,275,000 97.7% 0.1%
STEARNS LENDING, LLC $1,085,000 $1,260,000 16.1% 0.1%
PLANET HOME LENDING, LLC $530,000 $1,235,000 133.0% 0.1%
BROKER SOLUTIONS, INC. $1,620,000 $1,195,000 -26.2% 0.1%
CIBM Bank $410,000 $1,145,000 179.3% 0.1%
East Wisconsin Savings Bank $1,035,000 $1,145,000 10.6% 0.1%
FOX COMMUNITIES $1,535,000 $1,125,000 -26.7% 0.1%
City National Bank $555,000 $1,030,000 85.6% 0.1%
Deere Employees Credit Union $760,000 $1,025,000 34.9% 0.1%
Great Midwest Bank, S.S.B. $725,000 $1,015,000 40.0% 0.1%
WINNEBAGO COMMUNITY $735,000 $1,005,000 36.7% 0.1%
ENVOY MORTGAGE, LTD $205,000 $955,000 365.9% 0.1%
HOMESIDE FINANCIAL, LLC $235,000 $940,000 300.0% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $560,000 $845,000 50.9% 0.1%
FORTE BANK $800,000 $815,000 1.9% 0.1%
Wisconsin Bank & Trust $810,000 n/a 0.1%
IncredibleBank $775,000 n/a 0.1%
GUILD MORTGAGE COMPANY $260,000 $765,000 194.2% 0.1%
RESIDENTIAL BANCORP. $745,000 n/a 0.1%
THOMPSON KANE & COMPANY, LLC $480,000 $745,000 55.2% 0.1%
FIRST STATE MORTGAGE SERVICES, LLC $290,000 $735,000 153.4% 0.1%
State Bank of Chilton $955,000 $720,000 -24.6% 0.1%
Barrington Bank & Trust Company, N.A. $870,000 $690,000 -20.7% 0.1%
Oostburg State Bank $650,000 $685,000 5.4% 0.1%
InterContinental Capital Group, Inc $125,000 $680,000 444.0% 0.1%
Bank of America $155,000 $675,000 335.5% 0.1%
AMERICAN FINANCING CORPORATION $185,000 $640,000 245.9% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $675,000 $635,000 -5.9% 0.1%
AXIA FINANCIAL, LLC $630,000 n/a 0.1%
EDUCATORS CREDIT UNION $1,230,000 $625,000 -49.2% 0.1%
The Bank of Kaukauna $300,000 $605,000 101.7% 0.1%
Citizens State Bank of La Crosse $270,000 $600,000 122.2% 0.1%
Denmark State Bank $260,000 $600,000 130.8% 0.1%
TOTAL MORTGAGE SERVICES, LLC $475,000 $600,000 26.3% 0.1%
Bank of England $875,000 $590,000 -32.6% 0.1%
Plains Commerce Bank $575,000 n/a 0.1%
CoVantage Credit Union $600,000 $555,000 -7.5% 0.1%
Morgan Stanley Private Bank $515,000 n/a 0.1%
DAS Acquisition Company, LLC $300,000 $510,000 70.0% 0.1%
A + MORTGAGE SERVICES, INC. $605,000 $495,000 -18.2% 0.1%
First Guaranty Mortgage Corporation $135,000 $495,000 266.7% 0.1%
Northpointe Bank $490,000 n/a 0.1%
The Equitable Bank, S.S.B. $425,000 $485,000 14.1% 0.1%
SOFI LENDING CORP. $805,000 $475,000 -41.0% 0.1%
IAA Credit Union $465,000 n/a 0.1%
CELEBRITY HOME LOANS, LLC $95,000 $460,000 384.2% 0.1%
ROYAL UNITED MORTGAGE LLC $65,000 $450,000 592.3% 0.1%
Forward Bank $270,000 $440,000 63.0% 0.1%
Loan Simple, Inc. $265,000 $440,000 66.0% 0.1%
Hiawatha National Bank $430,000 n/a 0.0%
SIRVA MORTGAGE, INC. $425,000 $430,000 1.2% 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $525,000 $425,000 -19.0% 0.0%
Empower Credit Union $420,000 n/a 0.0%
Farmers and Merchants Union Bank $710,000 $420,000 -40.8% 0.0%
VILLAGE CAPITAL & INVESTMENT LLC $510,000 $405,000 -20.6% 0.0%
EMBRACE HOME LOANS, INC. $410,000 $400,000 -2.4% 0.0%
The Federal Savings Bank $520,000 $400,000 -23.1% 0.0%
Citizens Bank $640,000 $390,000 -39.1% 0.0%
Discover Bank $75,000 $380,000 406.7% 0.0%
Manufacturers and Traders Trust Company $375,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $305,000 $370,000 21.3% 0.0%
AMERIFIRST FINANCIAL CORPORATION $355,000 n/a 0.0%
CAPITAL Credit Union $265,000 $355,000 34.0% 0.0%
CRESCENT MORTGAGE COMPANY $165,000 $355,000 115.2% 0.0%
Watermark Capital, Inc. $325,000 $350,000 7.7% 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $225,000 $345,000 53.3% 0.0%
Wyndham Capital Mortgage, Inc. $345,000 n/a 0.0%
DUPACO COMMUNITY $510,000 $340,000 -33.3% 0.0%
Low VA Rates, LLC $350,000 $340,000 -2.9% 0.0%
CANOPY MORTGAGE, LLC $335,000 n/a 0.0%
First-Citizens Bank & Trust Company $335,000 n/a 0.0%
Baxter Credit Union $330,000 n/a 0.0%
Heartland Credit Union (Madison) $330,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $310,000 $330,000 6.5% 0.0%
Bremer Bank $325,000 n/a 0.0%
Peoples Bank $315,000 n/a 0.0%
American Mortgage & Equity Consultants, Inc. $75,000 $310,000 313.3% 0.0%
KELLER MORTGAGE, LLC $330,000 $310,000 -6.1% 0.0%
MID AMERICA MORTGAGE, INC. $145,000 $310,000 113.8% 0.0%
BLC Community Bank $565,000 $305,000 -46.0% 0.0%
Fidelity Bank $355,000 $305,000 -14.1% 0.0%
Strong Home Mortgage, LLC $295,000 n/a 0.0%
Flanagan State Bank $135,000 $285,000 111.1% 0.0%
Mutual Federal Bank $285,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $155,000 $275,000 77.4% 0.0%
FirstBank $275,000 n/a 0.0%
First Bank & Trust $145,000 $275,000 89.7% 0.0%
TJC Mortgage, Inc. $275,000 n/a 0.0%
Cleveland State Bank $590,000 $270,000 -54.2% 0.0%
The Bank of New Glarus $265,000 n/a 0.0%
VERITAS FUNDING, LLC $265,000 n/a 0.0%
Community State Bank $255,000 n/a 0.0%
Byron Bank $245,000 n/a 0.0%
Level One Bank $245,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $245,000 n/a 0.0%
Neighborhood Loans, Inc. $245,000 n/a 0.0%
Network Funding, L.P. $185,000 $245,000 32.4% 0.0%
Oregon Community Bank $240,000 n/a 0.0%
Royal Credit Union $125,000 $240,000 92.0% 0.0%
First American Bank $235,000 n/a 0.0%
PROSPERA Credit Union $350,000 $225,000 -35.7% 0.0%
T2 FINANCIAL LLC $225,000 $225,000 0.0% 0.0%
North American Savings Bank, F.S.B. $215,000 n/a 0.0%
Settlers Bank $350,000 $215,000 -38.6% 0.0%
ACCELERATE MORTGAGE, LLC $205,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $195,000 n/a 0.0%
Chicago Mortgage Solutions LLC $175,000 n/a 0.0%
Mound City Bank $175,000 n/a 0.0%
TIAA, FSB $175,000 n/a 0.0%
AbbyBank $715,000 $170,000 -76.2% 0.0%
Figure Lending LLC $15,000 $170,000 1,033.3% 0.0%
PHH Mortgage Corporation $135,000 $170,000 25.9% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $315,000 $165,000 -47.6% 0.0%
Bank of the West $720,000 $165,000 -77.1% 0.0%
American National Bank - Fox Cities $155,000 n/a 0.0%
PNC Bank $1,595,000 $155,000 -90.3% 0.0%
Quontic Bank $155,000 n/a 0.0%
EMM LOANS LLC $145,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $320,000 $145,000 -54.7% 0.0%
Service Federal Credit Union $145,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $145,000 n/a 0.0%
The Greenwood's State Bank $245,000 $145,000 -40.8% 0.0%
UNION HOME MORTGAGE CORP. $165,000 $145,000 -12.1% 0.0%
VAN DYK MORTGAGE CORPORATION $145,000 $145,000 0.0% 0.0%
Wolf River Community Bank $190,000 $145,000 -23.7% 0.0%
CLEARPOINTE CAPITAL, LLC $170,000 $140,000 -17.6% 0.0%
Bank of Milton $135,000 n/a 0.0%
Prevail Bank $135,000 n/a 0.0%
Tri City National Bank $135,000 n/a 0.0%
Ally Bank $195,000 $125,000 -35.9% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $125,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $125,000 n/a 0.0%
PremierBank $125,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $125,000 n/a 0.0%
ACADEMY MORTGAGE CORPORATION $620,000 $115,000 -81.5% 0.0%
CITIZENS EQUITY FIRST $115,000 n/a 0.0%
EVERETT FINANCIAL, INC. $665,000 $115,000 -82.7% 0.0%
Merchants Bank of Indiana $105,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $105,000 $105,000 0.0% 0.0%
ALTRA $290,000 $95,000 -67.2% 0.0%
COMPASS MORTGAGE, INC. $215,000 $95,000 -55.8% 0.0%
PCM $95,000 n/a 0.0%
PyraMax Bank, FSB $235,000 $95,000 -59.6% 0.0%
Guardian Credit Union $410,000 $90,000 -78.0% 0.0%
GUARANTEED RATE AFFINITY, LLC $85,000 n/a 0.0%
Truist Bank $245,000 $75,000 -69.4% 0.0%
Centier Bank $65,000 $60,000 -7.7% 0.0%
Home Loan Investment Bank, F.S.B. $40,000 n/a 0.0%
21ST MORTGAGE CORPORATION $45,000 $35,000 -22.2% 0.0%
Citibank $35,000 n/a 0.0%
DMB Community Bank $500,000 $35,000 -93.0% 0.0%

FOND DU LAC's top lender by overall market share is National Exchange Bank and Trust, with 14.7% market share. In second place, with 8.1%, is U.S. Bank, having originated $69,550,000 in loans. In third place, with 7.6%, is Hometown Bank, having originated $65,670,000 in loans. In third place, with 6.7%, is Fox Valley Savings Bank, having originated $57,770,000 in loans. In third place, with 4.5%, is Associated Bank, having originated $38,830,000 in loans.


FOND DU LAC, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 2,105 $348,815,000 $165,708
Home Purchase 1,684 $319,760,000 $189,881
Cash Out Refi 1,048 $165,630,000 $158,044
Home Improvement 217 $14,155,000 $65,230
Other 182 $14,100,000 $77,473

Fond Du Lac's most frequently cited loan purpose was Refi, with 2,105 originations. The 2nd most popular reason was Home Purchase, with 1,684 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,975 $345,885,000 $175,132
3-4% 1,533 $274,695,000 $179,188
<2.5% 1,041 $168,425,000 $161,792
4-5% 228 $29,300,000 $128,509
5-6% 62 $3,920,000 $63,226
Over 8% 50 $3,020,000 $60,400
7-8% 35 $2,145,000 $61,286
6-7% 9 $395,000 $43,889

During 2021, Fond Du Lac's most frequently originated rate bucket was 2.5-3%, with 1,975 originations.

Loan Sizing (FOND DU LAC, WI MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,344 $337,380,000 $143,933
$100,000 or less 1,521 $97,745,000 $64,264
$200k-400k 1,206 $320,160,000 $265,473
$400k-600k 130 $60,780,000 $467,538
$600k-1000k 24 $17,080,000 $711,667
$Over $1MM 11 $29,315,000 $2,665,000

FOND DU LAC's loan sizing saw the bucket of loans from $100k-200k with 2,344 originations, totaling $337,380,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,867 $337,815,000 $180,940
80-100% 1,515 $284,605,000 $187,858
40-60% 815 $135,975,000 $166,840
20-40% 389 $39,605,000 $101,812
Under 20% 226 $8,230,000 $36,416
Over 100% 24 $6,600,000 $275,000

FOND DU LAC's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,867 originations, totaling $337,815,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - FOND DU LAC (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $151,400 (16.6%) $202,135 (16.4%) 0.00 439
2018-02-01 $155,000 (23.1%) $203,631 (16.8%) 0.00 440
2018-03-01 $155,000 (12.0%) $204,038 (11.3%) 0.00 443
2018-04-01 $149,900 (5.2%) $214,430 (11.5%) 0.00 312
2018-05-01 $163,000 (9.1%) $227,136 (13.5%) 0.00 322
2018-06-01 $179,900 (20.0%) $236,825 (15.8%) 0.00 329
2018-07-01 $183,900 (27.8%) $234,963 (13.3%) 0.00 357
2018-08-01 $177,950 (20.7%) $231,728 (12.4%) 0.00 361
2018-09-01 $173,500 (15.7%) $226,940 (13.0%) 0.00 361
2018-10-01 $149,900 (0.0%) $213,656 (7.1%) 0.00 385
2018-11-01 $142,000 (-6.2%) $201,726 (-0.4%) 0.00 373
2018-12-01 $144,900 (-3.4%) $199,063 (-0.7%) 0.00 332
2019-01-01 $130,000 (-14.1%) $188,491 (-6.8%) 0.00 299
2019-02-01 $142,450 (-8.1%) $200,336 (-1.6%) 0.00 269
2019-03-01 $159,229 (2.7%) $214,440 (5.1%) 0.00 246
2019-04-01 $164,279 (9.6%) $225,796 (5.3%) 0.00 239
2019-05-01 $187,450 (15.0%) $255,836 (12.6%) 0.00 227
2019-06-01 $182,400 (1.4%) $250,475 (5.8%) 0.00 221
2019-07-01 $181,150 (-1.5%) $266,018 (13.2%) 0.00 255
2019-08-01 $188,514 (5.9%) $266,715 (15.1%) 0.00 269
2019-09-01 $191,064 (10.1%) $266,343 (17.4%) 0.00 261
2019-10-01 $189,900 (26.7%) $264,500 (23.8%) 0.00 268
2019-11-01 $196,900 (38.7%) $261,045 (29.4%) 0.00 268
2019-12-01 $193,950 (33.9%) $255,401 (28.3%) 0.00 251
2020-01-01 $187,450 (44.2%) $251,393 (33.4%) 0.00 225
2020-02-01 $204,900 (43.8%) $257,896 (28.7%) 0.00 196
2020-03-01 $192,400 (20.8%) $264,703 (23.4%) 0.00 188
2020-04-01 $204,950 (24.8%) $266,818 (18.2%) 0.00 194
2020-05-01 $239,777 (27.9%) $288,567 (12.8%) 0.00 180
2020-06-01 $262,000 (43.6%) $310,690 (24.0%) 0.00 160
2020-07-01 $277,450 (53.2%) $306,355 (15.2%) 0.00 136
2020-08-01 $255,900 (35.8%) $296,068 (11.0%) 0.00 138
2020-09-01 $229,900 (20.3%) $284,093 (6.7%) 0.00 144
2020-10-01 $229,900 (21.1%) $278,636 (5.3%) 0.00 147
2020-11-01 $187,400 (-4.8%) $257,041 (-1.5%) 0.00 147
2020-12-01 $163,700 (-15.6%) $240,946 (-5.7%) 0.00 130
2021-01-01 $160,000 (-14.6%) $250,396 (-0.4%) 0.00 118
2021-02-01 $170,000 (-17.0%) $259,390 (0.6%) 0.00 88
2021-03-01 $247,400 (28.6%) $283,189 (7.0%) 0.00 71
2021-04-01 $259,900 (26.8%) $294,672 (10.4%) 0.00 71
2021-05-01 $244,900 (2.1%) $290,029 (0.5%) 0.00 74
2021-06-01 $222,450 (-15.1%) $309,482 (-0.4%) 0.00 93
2021-07-01 $215,950 (-22.2%) $324,153 (5.8%) 0.00 110
2021-08-01 $202,800 (-20.8%) $305,770 (3.3%) 0.00 134
2021-09-01 $196,450 (-14.6%) $290,510 (2.3%) 0.00 145
2021-10-01 $224,900 (-2.2%) $298,662 (7.2%) 0.00 151
2021-11-01 $217,450 (16.0%) $304,792 (18.6%) 0.00 130
2021-12-01 $217,450 (32.8%) $315,185 (30.8%) 0.00 104
2022-01-01 $199,900 (24.9%) $287,975 (15.0%) 0.00 89
2022-02-01 $219,900 (29.4%) $300,200 (15.7%) 0.00 59
2022-03-01 $254,500 (2.9%) $337,310 (19.1%) 0.00 53
2022-04-01 $255,900 (-1.5%) $315,492 (7.1%) 0.00 62
2022-05-01 $304,200 (24.2%) $345,512 (19.1%) 0.00 74
FOND DU LAC's median listing price for 2022-05-01 was $304,200, a difference of $59,300 (24.2%) versus the prior year and $48,300 versus the prior month.

FOND DU LAC's median listing price comes in at 0% of the national average.

FOND DU LAC's average listing price for 2022-05-01 was $345,512, a difference of $55,483 (19.1%) versus the prior year and $30,020 versus the prior month.

For the 2022-05-01 period, FOND DU LAC had 74 MLS listings, a difference of 12 listings (19%) versus the prior month and 0 listings (0%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - FOND DU LAC (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,728 sqft
2018-02-01 0 days 1,705 sqft
2018-03-01 0 days 1,711 sqft
2018-04-01 0 days 1,696 sqft
2018-05-01 0 days 1,713 sqft
2018-06-01 0 days 1,752 sqft
2018-07-01 0 days 1,757 sqft
2018-08-01 0 days 1,782 sqft
2018-09-01 0 days 1,770 sqft
2018-10-01 0 days 1,724 sqft
2018-11-01 0 days 1,696 sqft
2018-12-01 0 days 1,715 sqft
2019-01-01 0 days 1,651 sqft
2019-02-01 0 days 1,667 sqft
2019-03-01 0 days 1,719 sqft
2019-04-01 0 days 1,713 sqft
2019-05-01 0 days 1,716 sqft
2019-06-01 0 days 1,652 sqft
2019-07-01 0 days 1,628 sqft
2019-08-01 0 days 1,688 sqft
2019-09-01 0 days 1,746 sqft
2019-10-01 0 days 1,788 sqft
2019-11-01 0 days 1,826 sqft
2019-12-01 0 days 1,863 sqft
2020-01-01 0 days 1,785 sqft
2020-02-01 0 days 1,792 sqft
2020-03-01 0 days 1,777 sqft
2020-04-01 0 days 1,746 sqft
2020-05-01 0 days 1,806 sqft
2020-06-01 0 days 1,986 sqft
2020-07-01 0 days 2,181 sqft
2020-08-01 0 days 1,986 sqft
2020-09-01 0 days 1,840 sqft
2020-10-01 0 days 1,861 sqft
2020-11-01 0 days 1,685 sqft
2020-12-01 0 days 1,557 sqft
2021-01-01 0 days 1,522 sqft
2021-02-01 0 days 1,477 sqft
2021-03-01 0 days 1,609 sqft
2021-04-01 0 days 1,745 sqft
2021-05-01 0 days 1,750 sqft
2021-06-01 0 days 1,684 sqft
2021-07-01 0 days 1,695 sqft
2021-08-01 0 days 1,714 sqft
2021-09-01 0 days 1,652 sqft
2021-10-01 0 days 1,674 sqft
2021-11-01 0 days 1,678 sqft
2021-12-01 0 days 1,656 sqft
2022-01-01 0 days 1,652 sqft
2022-02-01 0 days 1,674 sqft
2022-03-01 0 days 1,718 sqft
2022-04-01 0 days 1,632 sqft
2022-05-01 0 days 1,636 sqft
FOND DU LAC's median listing age (time on market) for 2022-05-01 was 0 days.

FOND DU LAC's median square footage for active listings during the 2022-05-01 period was 1,636 sqft. One year prior, the average listing was 1,750 sqft.